Platinum Credit Card

What makes this card Islamic

Bank Nizwa builds this card on a Qard Hasan contract. The bank lends you the money and you pay back exactly what you borrowed, not a penny more.

Bank Nizwa's Key Fact Statement names the Shariah basis of ALL its credit cards as Qard Hassan (an interest-free loan). No profit rate; income is a fixed monthly membership fee waived when the full outstanding balance is settled on the due date, plus a fixed annual fee.

Approved by Shari'a Supervisory Board, under the supervision of Central Bank of Oman (CBO).

What it costs

Every figure below comes from Bank Nizwa’s own published documents. Where the bank does not publish a number we say so rather than estimate it.

Annual fee

OMR 50Fee will be charged in the first monthsource

Supplementary card

OMR 10Annual supplementary card issuance feesource

Profit rate

0% a month on the outstanding balance0% a year as stated by the banksource

Cash withdrawal

Flat OMR 3 cash withdrawal fee; cash withdrawal limit 80% of credit limit

Late payment

1% of the unpaid Minimum Amount Due, donated to charity per the Shari'a Supervisory Board's guidelines — not booked as bank income1% of the unpaid Minimum Amount Due, donated to charity per the Shari'a Supervisory Board's guidelines — not booked as bank income

Foreign currency spend

2.5% on top of the exchange rate

Replacement card

OMR 5

Takaful cover

Complimentary Shariah-compliant Takaful travel cover (medical and trip inconvenience) is included at this tier. Cover limits and underwriter are not published on the product page.

What you get back

Other benefits

• Free access to MasterCard Premium Lounges via MasterCard Travel Pass
• Complimentary Shariah-compliant Takaful travel cover (medical and trip inconvenience)
• MasterCard Priceless Arabia offers
• Premium experiences and opportunities
• Worldwide acceptance at millions of merchants and ATMs
• MasterCard Global Service emergency assistance
• 24-hour call centre
• Instant SMS transaction alerts
• Supplementary cards for family
• 3D Secure / MasterCard SecureCode OTP on online transactions

Before you apply

• OMR 35 per month applies whenever the full balance is not settled on the due date, on top of the OMR 50 annual fee.
• Free access to Lounge Key's 1,000+ lounge network is a World-tier benefit only — Platinum gets the narrower MasterCard Premium Lounge / Travel Pass network per the Credit Card Services & Fees matrix.
• No cashback or points programme at any Bank Nizwa tier.

Can you get it?

Minimum income

OMR 300 a monthsource

Age

18 to 60

Other conditions

Card page: 'Against Salary Minimum OMR 300 - OMR 600 for Expat'; maximum credit limit OMR 10,000 (2x salary as stated on the page); 'Minimum Credit Limit N/A'; or against collateral with a 110% lien. Ages: Omanis (salaried) 18-60; expatriates and GCC nationals 25-60; pensioners up to 70.

What to have ready

• Credit Card Application (filled, stamped, signed and verified)
• Fees and Services form
• Valid Passport or ID card for Omani nationals
• Valid Resident Card and valid passport for resident expatriates
• Utility bill or other proof of residence
• Salary slip for three months if applicable
• Latest salary certificate issued and stamped by employer
• Lien on Investment Account form for cards issued against collateral

Where these figures come from

Last checked against Bank Nizwa’s published documents on 2026-08-17. Banks change fees without notice, so treat the bank’s own document as the final word, not this page.

• “"Annual Fees ... PLATINUM: OMR 50" — Bank Nizwa Credit Card Services & Fees (Customer)”
• “"Monthly Fees ... PLATINUM: OMR 35 per month" — Bank Nizwa Credit Card Services & Fees (Customer)”
• “"Annual Subscription Fee: OMR 50" / "Monthly Subscription Fee: OMR 35" — banknizwa.om /platinum-credit, Membership Fees accordion”
• “"Against Salary Minimum OMR 300 - OMR 600 for Expat" / "Maximum Credit Limit OMR 10,000 (2x Salary)" — banknizwa.om /platinum-credit, Eligibility accordion”
• “"Relax at select airports with MasterCard Travel Pass" — banknizwa.om /platinum-credit, Benefits”
• “"Stay protected with medical and trip inconvenience insurance" — banknizwa.om /platinum-credit, Takaful Travel Cover”

• Product page
• Schedule of charges
• Terms and conditions